CommBank GoalSaver — Interest Rate & Review
The CommBank GoalSaver pays bonus interest in any month your balance grows (excluding interest). CommBank also offers the intro-rate NetBank Saver.
You only earn 4.90% in months you meet the conditions. Miss them and you drop to 0.10%. Use the calculator to model your real return.
CommBank GoalSaver at a glance
The conditions, in plain English
We pay bonus interest on top of the standard variable credit interest rate on credit balances if you: 1) Make at least one deposit each calendar month into your account; and 2) Have a higher account balance at the end of the month compared to the account balance at the start of the month (excluding interest and bank-initiated transactions). One variable bonus interest rate applies to your entire balance. The interest rate depends on how much you have in your account.
Commonwealth Bank, est. 1911. Data source: CommBank Consumer Data Right product feed.
How it compares
| # | Bank & product | Max rate p.a. | Base rate | Conditions | Bonus cap | Fee |
|---|---|---|---|---|---|---|
| 1 |  RabobankRabobank High Interest Savings Account |
5.90%Introductory | 4.00% | Intro rate | $250,000 | No fee |
| 2 |  ubankubank Save |
5.85%Introductory | — | Intro rate | $100,000 | No fee |
| 3 |  INGSavings Maximiser |
5.49%Bonus (conditional) | 0.01% | Monthly conditions | — | No fee |
| 4 |  MacquarieMacquarie Savings Account |
5.35%Introductory | 5.00% | Intro rate | $250,000 | No fee |
| 5 |  St.GeorgeIncentive Saver |
5.14%Bonus (conditional) | 0.01% | Monthly conditions | $20,000 | No fee |
Sorted by maximum advertised rate (an objective sort, not a recommendation). “Max rate” is the highest rate the product can pay; most require monthly conditions or are introductory. Base rate is what you earn if conditions aren’t met / after the intro period. Figures from Open Banking feeds, 5 September 2026 — verify with the bank.
See the full savings account comparison →
CommBank head-to-head
See CommBank compared side-by-side with other popular savings accounts:
- NAB vs CommBank savings accounts
- CommBank vs Westpac savings accounts
- ANZ vs CommBank savings accounts
CommBank savings — FAQ
What is the CommBank GoalSaver interest rate?
As of 5 September 2026, the CommBank GoalSaver pays a maximum of 4.90% p.a. (bonus (conditional)), with a base rate of 0.10%. Rates change with the RBA cash rate and out of cycle — confirm the current rate with the bank.
How do I earn the maximum CommBank rate?
We pay bonus interest on top of the standard variable credit interest rate on credit balances if you: 1) Make at least one deposit each calendar month into your account; and 2) Have a higher account balance at the end of the month compared to the account balance at the start of the month (excluding interest and bank-initiated transactions). One variable bonus interest rate applies to your entire b
Is there a balance cap on the CommBank bonus rate?
Yes — the bonus rate applies on balances up to $50,000. Above that you earn the base rate.